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Insurance Coverage

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In some cases your health insurance may have coverage for your hair prosthesis or wig. Generally, they may recognize the need for a cranial hair prosthesis to replace lost hair.  When you call to check with your insurance company to see if there is coverage, here are a few questions that might be helpful to ask:

  • Is there insurance coverage for a cranial hair prosthesis?
  • Is it necessary to have a prescription from my oncologist or physician for a cranial hair prosthesis to obtain insurance coverage?
  • Is it necessary to obtain a letter of medical necessity from my doctor?
  • What other requirements are necessary to obtain reimbursement for a cranial hair prosthesis?

Sometimes a letter of medical necessity will be important to state the importance of obtaining a cranial hair prosthesis as a necessity to continue to function in a work and social setting as well as an important part of the recovery process for the temporary loss of hair as a result of chemotherapy treatments.

In some cases your insurance company may not recognize the need if the word wig is used.  They may consider its use for fashion rather than need.  For prosthetic coverage, a  cranial hair prosthesis may be a term recognized and required for reimbursement.

Here are some suggested steps that you can take that may be helpful in obtaining reimbursement from your insurance company:

  1. Check with the insurance company to see if there is prosthetic coverage for a cranial hair prosthesis.
  2. Obtain a prescription from your doctor for a cranial hair prosthesis.
  3. Obtain a letter of medical necessity from your doctor describing your condition and the need for the cranial hair prosthesis.
  4. Obtain a copy of a paid invoice for a cranial hair prosthesis from the company where you have purchased your hair replacement.
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